>>>>>> But I read so much about ho for example, motorized focus is better than manual. One prolific poster said I am cheap for not having motorized. And I image from somewhat light polluted skies, so why would I not esquire about mono?
You are ready to move from OSC to Mono when:
1.) You have controlled your data gathering (imaging session) such that you consistently get good polar alignment, balance, tracking and guiding. When you can set up a session so that you get small round stars with five to ten minute exposures. Does not matter whether the subframes are underexposed or overexposed. Just that you have the equipment setup and session management under control to do that.
2.) You can properly acquire and apply flats, bias, and dark to calibrate your data, and can properly stretch and otherwise post process your data that you can no longer overcome noise limitations.
For many of us, that second requirement is harder than the first.
When you have both of these in hand, then consider the benefits of Mono with Filters.
The general answer is for most intermediate to advanced imagers, the process of OSC and Mono are virtually the same for any given subframe. It is just that with Mono and Filters, you do some of the things three or four times. And with Mono, you must combine the color masters. From that point on, the processes of stretching, sharpening, noise control, etc. is the same. So, it is no more difficult, just has more frames to deal with. (It is not harder driving two hundred miles than it is driving fifty. You just have to drive more. And in fact that analogy fails, since the automation in image processing programs allows you to do many of the steps simultaneously with one button push.)
Having said this, Mono opens up much better signal to noise ratio. It allows for Narrowband imaging. And in general gives you a much higher top end.
If you want to see the difference between Mono with Filters and OSC imaging, compare the two tutorials in my signature about "PixInsight and a Loaf of Bread." One is OSC, the other Mono with Filters. You will see that the processes are really quite similar.